I guess one man's underfunding is another man's overuse. But when the country's most unhealthy are the same ones who make the smallest contribution, something's going to give.
Don't worry your fit and healthy lifestyle will probably mean you live well into your 90s. Only problem dementia will probably kick in. You'll have to pay towards your care for a bit. Then you'll hit the limit and the rest of us will have to contribute towards it. Your family won't be bankrupted though.